Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.
With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.
Job Description:
Purpose: The Senior Software Engineer will join our AI team to design a mortgage guideline-focused AI model. The goal of this product is to enable loan officers, processors, and other key stakeholders to ask an AI-powered assistant complex guidelines, scenario, and underwriting questions — and get answers that are accurate, compliant, and aligned with Lower’s standards and risk tolerance. This position will work closely with other developers and support the development of project plans and schedules.
What you’ll do:
Make updates to core pricing and underwriting algorithms to expand the capabilities of the automation system.
Perform optimizations to improve the execution speed and reduce memory consumption of the core engine
Maintain the required configurations to keep the engine running accurately
Work closely with the product team and stakeholders to identify opportunities for automation and improvements to the lending process.
Build unit testing, integration, system, and user acceptance tests to ensure accurate implementation
Create solutions to improve the automation of the system specifically related to testing and configuration maintenance.
Propose new techniques and technologies for improving the engine capabilities
Provide support to Manager in developing project plan and schedules
Participate in requirement analysis, design, development, testing and implementation activities
Ensure to complete the assigned development tasks within deadlines
Work in compliance with coding standards and best practices
Provide assistance and mentorship to other developers as needed
Perform code reviews and recommend improvements
Review business requirements and recommend changes to develop reliable applications
Develop coding documentations and other technical specifications for assigned projects as directed
Analyze and resolve development issues accurately
Who you are:
6-11 years of experience is Software Engineering and Web Application Development or related fields.
Experience building or maintaining Retrieval-Augmented Generation (RAG) pipelines is highly beneficial
Must have some prior experience with OpenAI APIs
Experience with LangGraph and Pinecone is highly preferred
Demonstrated experience implementing new ideas and solve complex technical problems and design issues.
Prefer Experience working in our stack (NextJS, Tailwind, Python 3, Pinecone, LangGraph).
Strong understanding of core software development concepts like fast algorithms and efficient data structures.
Ability to understand a specific mortgage industry concept and translate the requirements into code. This includes working with and implementing financial math concepts like amortization, APR and various qualification ratios.
Why you’ll love working at Lower:
- You’ll be surrounded by talented, dedicated people who believe in the company’s mission.
- You’ll be able to shape the future of Lower’s user experience.
- You’ll join a locally and nationally recognized best place to work that values promotion from within.
- There is opportunity for professional growth and development.
Plus:
- Competitive compensation plan
- Extended benefit offerings including: Medical/dental/vision
- Paid holidays
- Paid time off
- Parental leave
- Life insurance
- Short- and long-term disability
- 401K with company match
- Discount on home mortgage refinances or purchase
Job Type: Full-time
Work Location: Hybrid in either Columbus, OH, Austin, TX, or Denver, CO
Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
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